WO2020152656A1 - Procédé de paiement et système de paiement - Google Patents

Procédé de paiement et système de paiement Download PDF

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Publication number
WO2020152656A1
WO2020152656A1 PCT/IB2020/050609 IB2020050609W WO2020152656A1 WO 2020152656 A1 WO2020152656 A1 WO 2020152656A1 IB 2020050609 W IB2020050609 W IB 2020050609W WO 2020152656 A1 WO2020152656 A1 WO 2020152656A1
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WO
WIPO (PCT)
Prior art keywords
payment
token
event
smart card
wearable device
Prior art date
Application number
PCT/IB2020/050609
Other languages
English (en)
Inventor
Mark Ashcroft
Marc BINNINGTON
Original Assignee
Quantum Card Services Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Quantum Card Services Limited filed Critical Quantum Card Services Limited
Priority to EP20706811.5A priority Critical patent/EP3915075A1/fr
Publication of WO2020152656A1 publication Critical patent/WO2020152656A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/02—Reservations, e.g. for tickets, services or events
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/045—Payment circuits using payment protocols involving tickets
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • the present invention relates to a payment method and payment system. More particularly the invention relates to a payment method and payment system using contactless devices such as smart cards or tokens.
  • EMV Europay, Mastercard and Visa
  • pre-paid cards An advantage of such pre-paid cards is that the amount of funds available to the card is limited and once these funds are spent a user is unable to overspend. Therefore, pre-paid cards are of practical use to vulnerable people, younger people or those with poor credit history who struggle to manage their finances because pre paid cards help users avoid running up large credit card bills.
  • Mobile communication networks are becoming increasingly faster with the roll-out of new 4G and 5G standards. They offer ever wider coverage, greater data speeds and better reliability. Consequently many shops and business outlets now use so- called merchant services or on-line payment facilities to enable them to operate credit and debit card terminals. These in turn ensure that customers are able to purchase goods and services using credit, debit cards and pre-paid cards.
  • contactless payment systems More recently so-called contactless payment systems have become popular. These systems operate with a variety of devices but are all cashless.
  • Contactless payments systems exist for use with credit cards and debit cards, but other systems employ bespoke tokens which may be incorporated in key fobs or other electronic devices especially smartphones and tablets .
  • Contactless payment devices are be incorporated in smartphones and other mobile communication devices which operate using near field communication (NFC) and these include Samsung Pay (Trade Mark), Apple Pay (Trade Mark) and Google Pay (Trade Mark). Another subset of this group is customised systems developed by leading banks.
  • Near field communications systems operate by employing a chip with an antenna that is embedded on the card, fob, token or mobile communication device. This allows consumers to wave or hold their card, fob, or handheld device over a reader at the point of sale terminal which is operative when connected to a network in accordance with communication protocols to establish communication with the card, fob, token, or mobile communication device when brought within a few centimetres, typically around 4 cm, of the card, fob, token or mobile communication device.
  • Contactless payments are made in close physical proximity, unlike mobile payments which use broad-area cellular or Wi-Fi networks and do not involve close physical proximity.
  • High speed digital networks (4-G and 5-G networks) and related infrastructure enable faster, more secure and more reliable data transfer rates. Consequently, there is an increasing trend to use such cashless payment systems and on-line banking.
  • Payment service providers are offering ever more sophisticated and secure payment services to use and access remotely. Consequently, there is an increasing tendency to rely on and expect the availability of such on-line services and cashless payment facilities and supporting infrastructure.
  • a problem that organisers then encounter is one of resources management. That is where payment data, that has been acquired locally form users, vendors, customers and suppliers, cannot be transmitted to remote servers for reconciling with a particular account.
  • a payment system is disclosed in United States Patent US 9792035 (Mastercard International Inc).
  • the system and method are for a contactless payment enabled smartphone in which a user can toggle between multiple payment methods, for example a user may select different credit/debit card accounts.
  • the smartphone facilitates payment using a selected payment method via a contactless or wireless transmission.
  • US Patent US 9020853 (VISA International) which teaches a system that allows a consumer to load a pre-payment onto a smart card and to make purchases using the smart card in combination with a mobile telephone handset.
  • the system includes: a mobile telephone handset and a card reader.
  • a funds issuing computer credits an account associated with the mobile telephone handset in response to a user request from a user to load a value onto the smart card.
  • the handset generates a funds request message which includes the value of requested funds and sends the funds request message to a funds issuer computer.
  • the funds issuer computer debits an account associated with the user.
  • a cryptographic signature and sends the load request message to an authentication computer which authenticates the smart card and after validation funds are loaded to the approved value onto the smart card.
  • an authentication computer which authenticates the smart card and after validation funds are loaded to the approved value onto the smart card.
  • Another problem is when a user loses their smart card or payment token or when the smart card or payment token is stolen or otherwise compromised, for example if it becomes damaged or inoperable.
  • An aim of the invention is to provide a system that encourages users to rely on and develop appropriate on-line skills and responsibilities.
  • Another object is to provide a contactless payment card and system that is reliable and able to be used in remote locations or situations without access to a network.
  • a further aim is to provide a distributed ledger system that improves resource management, for example in the event of an unexpected power outage or a limitation of available bandwidth for transmitting and/or receiving data.
  • a computer implemented method for transacting a specified amount of funds from a financial account to a smart card, wearable device, or token including the steps of: assigning a unique identifier code to the smart card, wearable device, or token; storing the unique identifier code in a memory on a chip on the smart card, wearable device, or token; aggregating the unique identifier code and data identifying the financial account on a payment processor database in order to create Europay, Mastercard and Visa (EMV) personalisation records to be encoded on the smart card or token; supplying the smart card, wearable device, or token to a customer; placing the smart card, wearable device, or token in a near field communication configuration with a bespoke contactless read/write device which is operative to connect to a payment broker; operating the bespoke contactless read/write device in accordance with instructions from a supervisor host database to communicate the unique identifier code to the payment broker; confirming the existence of credit in the financial account sufficient to meet
  • EMV Europay, Mastercard and Visa
  • the method thereby allows a user to be provided with a smart card, wearable device, or token with which they can make payments from a pre-authorised user specified amount of funds from a financial account (such as an account with the payment broker or a nominated bank account).
  • a financial account such as an account with the payment broker or a nominated bank account.
  • the smart card, wearable device, or token may be for making payments at an event such as a festival or conference.
  • the steps of the method may be performed in other orders than that in which they are listed, for example, the unique identifier code may be stored in the memory on the chip of the smart card, wearable device or token after EMV personalisation records are created.
  • additional steps may be included in the method. The steps will hereinafter be referred to in the order in which they are listed above.
  • a smart card, wearable device, or token is provided with a unique identifier code.
  • the smart card, wearable device, or token being for having a balance of funds recorded thereon and/or associated therewith on an external database; the smart card, wearable device, or token preferably being for making payments from the balance of funds.
  • the smart card, wearable device, or token may be for making payments at conventional payment terminals, for withdrawing cash from conventional automated teller machines and/or for making payments or withdrawing cash from bespoke payment terminals or automated teller machines associated with and compatible with the smart card, wearable device, or token.
  • the smartcard, wearable device, or token may be a stored-value payment card or may be a wearable device or token operating in the same manner as a stored-value payment card.
  • Stored-value payment cards are payment cards which have a monetary value stored on the card itself instead of in an external account (as is the case with debit or credit cards).
  • Such a smartcard, wearable device or token may advantageously be for making payments to or withdrawing cash from payment terminals or automated teller machines which are not networked or in communication with external financial institutions. This may be particularly advantageous at events such as festivals or networks where networked payment terminals or automated teller machines may not be available.
  • the smart card, wearable device, or token is provided with a unique identifier code which may be used to identify the smart card, wearable device, or token when it communicates with other devices such as with the bespoke contactless read/write device referred to in the sixth and seventh listed steps of the method and/or with conventional or bespoke payment terminals or automated teller machines.
  • the smart card, wearable device, or token is for making contactless transactions such as using near-field communication (NFC) communication protocols.
  • NFC near-field communication
  • the unique identification code is readable by any NFC capable reader by presenting a unique set of application protocol data unit (APDU) commands to the chip on the smart card or token via NFC communication protocols.
  • APDU application protocol data unit
  • the unique identifier code is preferably created or generated by the payment broker and may be provided to the smart card, wearable device, or token by a manufacturer or provider of the smart card, wearable device, or token such as a card bureau.
  • the smart card, wearable device, or token comprises a chip with a memory on which the unique identifier code is stored in the second listed step of the method.
  • the smart card, wearable device, or token may be a smart card or integrated circuit (1C) card, such as a card in the form of a conventional payment card (such as credit or debit card).
  • the smart card or token may be a MIFARE DESFire (RTM) or MIFARE Ultralight (RTM) 1C card.
  • the smart card, wearable device, or token preferably comprises an EMV chip.
  • the EMV chip may the chip with the memory on which the unique identifier code is stored.
  • the EMV chip comprises a non-EMV read/write area of the chip, to which a monetary value may be written in embodiments where the smart card, wearable device, or token is or acts as a stored- value payment card.
  • the unique identifier code may be embedded within EMV data on the EMV chip.
  • the unique identifier code and data identifying the financial account are aggregated on a payment processor database in order to create EMV personalisation records to be encoded to the smart card, wearable device, or token.
  • the financial account may be an account with the payment broker, for example, to which the customer may transfer funds for later use to make payments or cash withdrawals using the smart card, wearable device or token.
  • the financial account may be a bank account (such as a deposit account) which may be nominated, for example by the customer when they order or purchase an event ticket and/or smart card or when they are logged into an account with the payment broker as described above.
  • the third listed step of the method may be carried out before the second, listed step of the method.
  • EMV personalisation records are preferably securely encoded on the smart card, wearable device or token.
  • the EMV personalisation records may provide the parameters for making EMV payments with the card, for example wherein the card operates as a stored-value EMV payment card.
  • personal data of a customer to whom the card is to be provided may be aggregated with the unique identifier code and the financial account in this third listed step.
  • personal data may include the customer’s name, age, address and/or other details.
  • ticketing data of the customer to whom the card is to be provided may aggregated with the unique identifier code and the financial account (and optionally the customer’s personal data) in this third listed step.
  • a server may communicate with one or more other servers, as part of a distributed ledger system in order to verify identity, status of such data items as a user name, purchase item, time, date and place of purchase and any other unique“digital signature,”
  • Ticketing data may associate a customer with an event ticket.
  • Ticketing data may have been provided to the payment broker, for example by a ticketing company or the organiser of an event.
  • Ticketing data may be provided to the payment broker after the customer has ordered, purchased or been issued with the event ticket.
  • Providing ticketing data to the payment broker may be an additional step of the method which preferably occurs before the fifth listed step of the method, but which may occur before, between or after the first to fourth listed steps of the method.
  • the event ticket is preferably a ticket for an event at which the smart card, wearable device, or token is to be used to make payments.
  • the event being one where the bespoke contactless read/write device referred to in the fifth and sixth listed steps of the method is available for pre-authorising the card with funds from the financial account.
  • a customer When a customer orders a ticket for such an event, they may be able or prompted to order or request a smart card, wearable device, or token (or indicate that they already have a smart card, wearable device, or token, for example, in embodiments of the invention where the fifth listed step of the method occurs before the third listed step).
  • a customer may be able or prompted to create or log into an account with the payment broker; in creating such an account they may provide personal details such as their name, date of birth, address, email address, other contact details, password, and/or payment or bank account details.
  • Such an account may allow or facilitate the payment broker associating the customer with a smart card, wearable device, or token.
  • such an account may have an associated financial account with the payment broker to which the customer may transfer funds, such as from a conventional bank account, such a financial account may be the financial account referred to in the method.
  • the payment broker preferably associates or links the ticketing information with a smart card, wearable device, or token’s unique identifier code, preferably the unique identifier code of the smart card, wearable device, or token to be provided to, or already provided to the customer of the ticketing information.
  • the payment broker may retain records of customers who have ordered or received smart cards or tokens and/or who have orders tickets for events at which the smart cards or tokens are useable.
  • the smart card, wearable device or token may be manufactured (for example by a card bureau wherein it is a smart card) after the customer has ordered a ticket, ordered a card, created an account with the payment broker and/or nominated a bank account to be the financial account.
  • the smart card, wearable device or token is preferably prepared, programmed or manufactured in this third listed step of the method or in an additional step intermediate the third and fourth listed steps of the method.
  • the smart card, wearable device or token may be an 1C card manufactured by a card bureau in such a step.
  • the smart card, wearable device, or token is provided to a customer.
  • the smart card, wearable device or token may be posted to the customer.
  • the smart card, wearable device or token may be provided to the customer directly by its manufacturer, such as a card bureau, or by the payment broker.
  • the customer may be able to collect a smart card, wearable device, or ticket at the event.
  • the smart card, wearable device, or token is placed in a near field communication configuration with a bespoke contactless read/write device which is operative to connect to the payment broker.
  • the bespoke contactless read/write device is preferably provided at and/or by the event organiser where the event ticket of the third listed step is provided.
  • the customer may take their smart card, wearable device, or token to the bespoke read/write device and place it near the device such that the smart card, wearable device, or token is able to communicate with the bespoke read/write device using near-field communication (NFC) communication protocols.
  • NFC near-field communication
  • the bespoke contactless read/write device preferably communicates with the smart card, wearable device, or token via a set of APDU commands in order to retrieve the unique identifier code of the smart card, wearable device, or token.
  • the bespoke contactless read/write device is operative to connect to the payment broker, for example via an internet connection.
  • the bespoke contactless read/write device is operated in accordance with instructions from a supervisor host database to communicate the unique identifier code of the smart card, wearable device, or token to the payment broker.
  • the bespoke contactless read/write device preferably reads the unique identifier code of the smart card, wearable device, or token via the NFC contactless communication between the smart card or token and the bespoke device and then communicates the unique identifier code to the payment broker via the connection between itself and the payment broker.
  • the supervisor host database may be a database provided and/or controlled by the manager or host of the event. Such a database may provide instructions for operating a plurality of bespoke contactless read/write devices.
  • the bespoke device preferably requests information from the payment broker about the scanned card, wearable device or token and the payment broker will return a signal or information indicative of whether the scanned card, wearable device or token is valid for use with the method, event and/or event hardware such as the bespoke contactless read/write device.
  • the payment broker preferably also returns a signal or information indicative of an amount of funds to be pre-authorised in the seventh listed step of the method.
  • the amount of funds may be fixed, may be set by the customer in advance of the event (for example using their account with the payment broker and/or when they ordered their event ticket), or may be set by the payment broker, or may be set by some third party (such as a guarantor) who has communicated the amount to the payment broker in advance.
  • the bespoke device preferably then requests the ring-fencing of the nominated amount of funds in the financial account.
  • the existence of credit in the financial account sufficient to meet the pre-authorised amount of funds is confirmed.
  • a request for funds from the payment broker to pre-authorise (ring-fence) an amount of user specified funds from an available balance in the financial account is transmitted.
  • the request is preferably transmitted by the payment broker to the payment processor and the payment broker sends to the bespoke device a response indicating whether the transaction has been successful.
  • the contactless read/write device is commanded to update the memory on the smart card, wearable device, or token by an amount equal to the pre-authorised amount funds.
  • a portion of the funds in the financial account are preferably ring-fenced such that they cannot be spent, transferred or withdrawn therefrom until they are de-authorised, for example at the end of the event.
  • the smart card, wearable device or token is then preferably credited with the amount of funds such that it may be used as a stored value payment card. Transactions undertaken using the smart card, wearable device or token as such a payment means may be recorded on the card and/or on hardware provided at or by the event (such as automated teller machines or payment terminals, which may be or comprise bespoke NFC read/write contactless devices).
  • funds may be transferred from the ring-fenced amount of funds in the financial account to settle any such transactions and any remaining funds are preferably de-ring-fenced.
  • system for transacting a specified amount of funds from a nominated bank account to a smart card, wearable device or token comprising: a bespoke contactless read/write device which is adapted to communicate with the smart card, wearable device or token in a near field communication configuration and the bespoke contactless read/write device is operative to connect to a payment broker and receive an instruction therefrom to update a memory on the smart card, wearable device or token by a sum corresponding to an amount of a pre-authorised amount of user specified funds from a nominated bank account.
  • the system may be part of a distributed ledger system that is operative to record transactions and assets in which the transactions and their details are recorded in multiple places at the same time.
  • distributed ledger technologies are often referred to as DLT or blockchain systems and ensure greater integrity of data and improves reliability of data authentication.
  • Another problem is that where inexperienced on-line account users encounter such problems, due to lack of funds, in a party environment, participants may lack the judgement and ability to budget and so risk overspending.
  • Optionally cards or accounts may be limited for use with a specific set or type of commodity codes or products and services.
  • the system is configured with rules to use these codes in order to help define a user’s spending pattern.
  • This data is used with other data, as described below, to determine a user profile, for example by way of an algorithm which derives a weighted activity value which combines other data derived from other sources
  • Means may be included in a database to enable deriving data, from the on-line user activity based upon user interactions with an on-line account, such as a current bank account or savings bank account, credit card account, credit account or electronic purse/wallet.
  • an on-line account such as a current bank account or savings bank account, credit card account, credit account or electronic purse/wallet.
  • a stored payment card, wearable device, or electronic token comprising: an NFC communication device; a secure EMV memory portion of a chip comprising: a unique identifier code, and EMV personalization records associated with a financial account; a non-EMV read/write memory portion of the chip comprising: a ticket to an event, the ticket being linked to the unique identifier code, a ring-fenced monetary value associated with the financial account less any in-event transaction amount, the ring-fenced monetary value being linked to the unique identifier code, and in-event transaction data linked to the unique identifier code; wherein the stored payment card, wearable device or electronic token are operable for providing payment for goods or services independent of and offline from communication with the financial account associated with the ring-fenced monetary value.
  • an amount of the ring-fenced monetary value remaining after conclusion of the ticketed event is converted to pre-stored monetary value on the stored payment card, wearable device, or electronic token according or at a re
  • An electronic purse/wallet may be, for example, the type used by shops and supermarkets in conjunction with a customer loyalty scheme in order to encourage customer loyalty.
  • data derived from a user’s geo location data may be combined with other data in order to provide a user with vouchers or to send a user a message about possible special offers or promotions at the event.
  • the token may be embedded in a wrist band or other wearable device, or in a piece of technology such as a phone or phone case.
  • Figure 1 shows an overall diagrammatic view of a first method according the first aspect of the present invention
  • Figure 2 shows the first three steps of the method of Figure 1 in detail as well as the chip of a smart card for use with the method of Figure 1 ;
  • Figure 3 shows the first four steps of a second method according to the first aspect of the present invention
  • FIG. 4 shows the next four steps of the second method.
  • Figure 5 shows the final two steps of the second method.
  • Figure 1 is a diagram outlining the steps of and parties involved in a first method according to the first aspect of the present invention.
  • the seven parties involved in the method outlined in Figure 1 are: a Card Bureau, who manufactures smart cards for sue with the method; a payment processor (PP), who manages the transfer of funds between the nominated financial account and the smart card; Qpay, the payment broker; a Cardholder, who is a customer attending an event and who obtains a smart card for spending pre-authorised funds at the event; an Event Hardware Supplier (EHS); a ticketing company; and the Event Organiser.
  • a Card Bureau who manufactures smart cards for sue with the method
  • PP payment processor
  • Qpay the payment broker
  • Cardholder who is a customer attending an event and who obtains a smart card for spending pre-authorised funds at the event
  • EHS Event Hardware Supplier
  • ticketing company a ticketing company
  • the payment broker acquires and provides a smart card to a customer attending an event (the customer), upon arriving at the event the customer utilises equipment provided by the Event Hardware Supplier to ring-fence a set amount of funds in a nominated bank account for spending at the event using the smart card, which acts as a stored-value payment card for the duration of the event.
  • the payment broker acquires and provides a smart card to a customer attending an event (the customer), upon arriving at the event the customer utilises equipment provided by the Event Hardware Supplier to ring-fence a set amount of funds in a nominated bank account for spending at the event using the smart card, which acts as a stored-value payment card for the duration of the event.
  • Figure 1 illustrates fifteen sequentially numbered steps for performing the method, which is performed in response the customer (cardholder) ordering or requesting a smart card for use at supporting events.
  • the payment broker orders the smart card with the payment processor, the card having a unique identifier code (referred to as Proxy ID in Figure 1 ); the unique identifier code may be provided by the payment broker.
  • the payment broker may provide the payment processor with a batch file with a plurality of unique identifier codes for different smart cards.
  • the payment processor creates EMV personalisation records for the smart card using data provided by the customer (cardholder) and then passes this information along with the unique identifier code to the card bureau, who manufactures the smart card.
  • the smart card is delivered to the customer (cardholder) from the card bureau.
  • the ticketing company issues an event ticket to the cardholder, for example electronically.
  • the event ticket being a ticket for an event at which equipment of the event hardware supplier for use of the smart card will be present.
  • ticketing information which associates the customer (cardholder) with their event ticket is provided to the payment broker (QPay), after which the payment broker (QPay) may associated or link the unique identifier code of the customer’s smart card to their ticket or ticket entitlement.
  • these fourth and fifth step of the method may occur before the first second and third steps.
  • the customer may order or request a smart card for use at an event when or after they purchase a ticket for the event. Upon doing so the ticketing information may then be provided to the payment broker (Qpay) who may proceed to order a smart card for that customer (step 1 ).
  • Qpay payment broker
  • the cardholder After the cardholder arrives at the event, they scan their smart card using hardware provided by the Event Hardware Supplier (EHS).
  • the hardware is a read/write near field communication (NFC) contactless device for communicating with the smart card using a unique set of application protocol data unit (APDU) commands in order to retrieve the cards unique identifier code.
  • NFC near field communication
  • APDU application protocol data unit
  • the cards unique identifier code preferably having been stored on a secure portion of the smart card’s chip’s memory.
  • the NFC contactless device may be connected to the internet and may communicate the unique identifier code to the payment broker, alternatively the device may be offline.
  • the device or the payment broker may verify that the unique identification code is associated with an event ticket and that the smart card or cardholder are entitled to enter the event.
  • the NFC contactless device or another device provided by the event hardware supplier makes an access request to the payment broker using the payment broker’s API.
  • the payment broker responds indicating whether the smart card is valid and indicating an amount of funds (spend value) to be ring-fenced in step 8.
  • the event hardware supplier or device thereof request that the payment broker confirm the customer is entering the event and requests that the payment broker ring-fence the amount of funds in the nominated bank account.
  • the payment broker ring-fences or removes the amount of funds from the nominated bank account so as to ensure that the at the end of the event sufficient funds will remain in the account to settle any transactions made using the smart card.
  • the payment broker responds with a success message to the event hardware supplier or device thereof, in response to which the event hardware supplier or device thereof will write an in-event balance to the chip of the smart card equal to the amount of funds.
  • transactions are made at vendors at the event using the smart card.
  • the transactions are made using custom payment terminals provided by the event hardware supplier.
  • Transactions occur by checking the available in-event balance on the smart card and deducting any funds spend from the in-event balance recorded on the smart card.
  • the updated in-event balance is written to the open read/write area of the chip on the smart card wearable device or token. This process is also achieved via NFC contactless communication.
  • the event hardware supplier or devices thereof transmit records of all the transactions undertaken using the smart card at the event to the payment broker.
  • the payment broker calculates if there any funds remaining in the in-event balance. If there are funds remaining, then the payment broker communicates with the payment processor to credit the remaining balance back to the EMV open to spend available balance of the account, thereby effectively refunding any unspent funds.
  • an additional settlement file is sent to the payment broker by the event hardware supplier or device thereof detailing the same transactions and the merchant view of the transactions.
  • the event vendors thereby effectively claim the funds for the transactions that occurred at the event.
  • the payment broker transfers an amount of funds equal to the total money spent to the event organiser. Additionally the payment broker of the event hardware supplier provides a breakdown of the spending thereby allowing the event organiser to distribute the funds to individual merchants.
  • a payment broker may contact other databases in order to carry out routine or random security checks, for example to verify the identity or recent spending history of a customer.
  • FIGS 3, 4 and 5 show a second method according to the first aspect of the invention.
  • the second method differs from the first method in that the financial account is an account made by the customer with the payment broker (Quantum), rather than a nominated bank account.
  • the smart card may be replaced with a wristband (wearable device) with the same contactless payment functions.
  • Figure 2 shows a chip EMV or smart card which has a chip embedded in it. It is the chip which switches on account data into a one-time unique code when read by the bespoke card reader.
  • the unique code adds an additional layer of fraud protection. It does this by encoding transaction event data. This adds an additional layer of fraud protection.
  • a new smart card, wearable device, or token may be ordered or procured by a payment broker from a supplier. Independently of this event a ticket to an event is purchased by a ticket user or on behalf of a ticket user.
  • the smart card has a chip which is personalised by a supplier with EMV payment application by the bureau and a unique proxy id specified by QPay in the card production data.
  • EMV Chip with contactless (NFC) interface is produced by an approved bureau with DESFIRE (Trade Mark) or MIFARE Ultralight Emulation (Trade Mark).
  • the purchaser of the event ticket who may also be the eventual card user, can load funds onto an EMV balance which is recorded by an issuing bank payment processor herein referred to as a nominated bank account.
  • funds may be loaded onto an account with the payment broker.
  • Funds loaded on the portion of the smart card may be spent at any participating outlet at the event which has a bespoke point of sale (POS) terminal that is EMV compatible.
  • POS point of sale
  • the unique identifier code (Proxy ID) is read by a near field communication (NFC) capable reader, by presenting a unique set of APDU commands across the NFC interface to the chip, which in turn transmits the unique identifier code to the NFC reader.
  • NFC near field communication
  • This proxy ID can be used to make API requests of the card and to associate the card to other external entitlements (such as a ticket) in a PCI friendly way.
  • the Desfire/Mifare Emulation part of the chip (OffEMV) is a non EMV compliant read/write part of the chip that conforms to either the Desfire of Mifare standards.
  • This part of the chip memory acts as a secure storage device.
  • the memory is divided into segments and blocks with security mechanisms with read access control.
  • the memory is ASIC-based and has limited computational power. Flowever, these devices are reliable, cheap and secure and therefore are widely used for electronic wallets, access control, corporate identity (ID) cards, transportation and stadium ticketing.
  • the EMV part of the chip however is a significant benefit of a chip card as it underpins the powerful fraud protection technology inherent in the chip.
  • the chip provides dynamic data that cannot be known to anyone who steals a card or card number.
  • EMV cards are currently impossible to replicate and counterfeit because of the manner in which the data is encrypted between only the payment processor and a designated card bureau.
  • the chip or microchip that is embedded in the a smart card, wearable device, or token stores information required to authenticate, authorize and process transactions. No personal information is stored on the chip card.
  • the event technology retrieves the unique embedded card proxy from the EMV element of the chip and uses QPay API to ring-fence a pre-derived or pre- determined amount of money from the open to buy balance held in the payment processor.
  • the balance and associated transaction data are written to the OffEMV area of the chip for spend within the event.
  • the event vendors are equipped with custom hardware POS terminals which have software on them that let them transact with the offline balance stored in the OffEMV are of the chip.
  • any remaining balance on the OffEMV area can be de-ring-fenced and provided as credit to be transferred to the balance in the payment processor via use of the card Proxy and QPay API.
  • a provider may levy a handling fee for this transaction.
  • This transaction is actioned by presenting the chip to a hardware terminal designed to read the card proxy and action the refunding process.
  • remote storage retrieval and back-up may be provided by way of cloud-based, auto-save facility and automatic back-up systems. These enable data to be retrieved and/or verified in the event of loss or theft of a mobile communication device or a power outage or a disruption to a communication channel.
  • one or more authentication checks, data retrievals or file referencing may be performed by way of communicating with and interrogating one or more remote data storage facilities, interconnected as part of a distributed ledger system.
  • Such checks include communicating with servers or databases on which customers’ details are held and/or confirming the existence of credit; and/or an amount of funds; and/or confirming the status of the payment broker and/or verifying the identity of a guarantor, in order to reconcile data captured before an‘off-line’ event or disruption occurred, thereby enabling the system to return to a live status in a timely fashion and without loss of any data.

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Abstract

Le procédé de paiement et système de paiement selon la présente invention a trait à un procédé de paiement et système de paiement mis en oeuvre par ordinateur, et en particulier un procédé de paiement et système de paiement utilisant des dispositifs sans contact tels que des cartes ou jetons intelligents. Le procédé et système effectue une transaction de quantité spécifiée de fonds depuis un compte bancaire désigné vers une carte à puce. Le système comprend: un dispositif de lecture/écriture sans contact sur mesure qui est conçu pour communiquer avec la carte à puce dans une configuration de communication en champ proche. Le dispositif de lecture/écriture sans contact sur mesure est opérationnel pour se connecter à un courtier en paiement et pour recevoir une instruction de celui-ci pour mettre à jour une mémoire sur la carte à puce par une somme correspondant à une quantité d'une quantité pré-autorisée de fonds spécifiés par l'utilisateur à partir d'un compte bancaire désigné.
PCT/IB2020/050609 2019-01-25 2020-01-27 Procédé de paiement et système de paiement WO2020152656A1 (fr)

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GB1901083.4A GB2594028A (en) 2019-01-25 2019-01-25 A payment method and payment system
GB1901083.4 2019-01-25

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Cited By (1)

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WO2023194920A1 (fr) * 2022-04-05 2023-10-12 RANEY, Rajendra Kumar Mohan Système et procédé de transaction monétaire

Families Citing this family (1)

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Publication number Priority date Publication date Assignee Title
WO2023216017A1 (fr) * 2022-05-07 2023-11-16 千里足股份有限公司 Dispositif intelligent pouvant être porté au pied ayant une fonction de paiement sans contact

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WO2010033944A2 (fr) * 2008-09-22 2010-03-25 Visa International Service Association Gestion sans fil d’une application de paiement installée dans un dispositif mobile
US9020853B2 (en) 1999-07-30 2015-04-28 Visa International Service Association Smart card loading transactions using wireless telecommunications network
US20170132608A1 (en) * 2014-05-20 2017-05-11 Barna Jardany Wearable RFID Device for Use in an Event-Based Interrogation Zone
US9792035B2 (en) 2012-10-09 2017-10-17 Mastercard International Incorporated System and method for payment using a mobile device

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US9020853B2 (en) 1999-07-30 2015-04-28 Visa International Service Association Smart card loading transactions using wireless telecommunications network
WO2010033944A2 (fr) * 2008-09-22 2010-03-25 Visa International Service Association Gestion sans fil d’une application de paiement installée dans un dispositif mobile
US9792035B2 (en) 2012-10-09 2017-10-17 Mastercard International Incorporated System and method for payment using a mobile device
US20170132608A1 (en) * 2014-05-20 2017-05-11 Barna Jardany Wearable RFID Device for Use in an Event-Based Interrogation Zone

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2023194920A1 (fr) * 2022-04-05 2023-10-12 RANEY, Rajendra Kumar Mohan Système et procédé de transaction monétaire

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EP3915075A1 (fr) 2021-12-01
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